Under a personal auto policy, in which of the following locations would a vehicle primarily garaged in California be covered?

The reasoning behind the choice that a vehicle primarily garaged in California is covered in any other state is based on the nature of personal auto insurance policies. Personal auto policies typically provide coverage nationwide, which means that when you take your vehicle out of California and drive to another state, your policy still applies. This coverage extends to all states in the U.S., regardless of where the vehicle is primarily garaged.

This universal coverage is designed to ensure that policyholders are adequately protected while traveling or relocating temporarily, and it also aligns with the idea that many individuals drive across state lines for various reasons, such as work, vacation, or family visits. Thus, regardless of where the vehicle is primarily garaged, the policy provides coverage in any state where the vehicle may be used, making it comprehensive in nature.

Other options imply restrictions that do not align with the broad coverage typically provided in personal auto policies. For example, limiting coverage to only California or only states with reciprocal agreements would diminish the policy’s utility, as these scenarios would prevent a policyholder from being covered in most situations where they might drive outside their primary state.